Re: How young are you?

I just turned 22 in September and it seems like just yesterday I graduated from high school. Really the only goal I have right now is to keep the business going. I think I have done pretty well these first three months and hope it continues on. I do not believe there are any cards I want right now, besides the NFL for the $400 cashback. The lineup I have now gets me 5, 2, or 1.75% cashback on all spending so that is good.

I have thirteen cards with various lenders (FIA, Chase, PNC to name a few). I started at 19 and will never forget Jackie from Macys who encouraged me to apply for their card and to my surprise it was approved. Without her I would have a whole year less of history and do not think I would have the great cards I have now. Credit is great and I plan to keep it that way. I know of cousins and aunt/uncles who have terrible credit and am so glad that I have my parents sense of money.

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation.
Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies.
Many factors affect your FICO Scores and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating.
FTC's website on credit.

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.